Durango School District 9-R

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Benefits

For questions regarding PERA or Insurance (Health, Dental, Vision, Life), contact Carla Hotter at 247-5411, ext. 1416, or e-mail chotter@durango.k12.co.us

Web site links:

Health & Life – http://www.anthem.com

Dental – http://www.deltadentalco.com

Vision – http://www.vsp.com

American Fidelity – http://www.afadvantage.com

Aflac – http://www.aflac.com

General Rules Certified staff who are .51 FTE or more may enroll in medical, dental and vision insurance. Currently the district will pay the “employee only” health, dental and life insurance premiums. If the FTE is .25 - .50, the district will pay for half of the “employee only” health and dental premium and the full life insurance premium. The employee is responsible for the difference. Employees with an FTE of less than .25 are not eligible for district insurance benefits. If an employee elects to have dependent coverage, the employee will pay the additional premium for the dependent(s). If an employee elects to have vision coverage or supplemental products, the employee will pay the full premium.

Classified staff working 5 hours through 8 hours per day may enroll in medical, dental and vision. Currently the district will pay for the “employee only” health, dental and life insurance premiums. If the daily hours worked are 3.5 – 4.99, the district will pay for half of the “employee only” health and dental premium and the full life insurance premium. The employee is responsible for the difference. Employees who work less than 3.5 hours per day are not eligible for district insurance benefits. If an employee elects to have dependent coverage, the employee will pay the additional premium for the dependent(s). If an employee elects to have vision coverage or supplemental products, the employee will pay the full premium. In the first year of employment, nine-month employees shall receive a full “employee only” or half “employee only” premium based on their FTE through the work year based on eligibility. The employee will be responsible for the continuation of coverage through prepaid payroll deductions at the employee’s expense for coverage July through September. In the second and succeeding years of employment, employees shall receive a full “employee only” or half “employee only” premium based on their FTE for twelve months based on their employment status. If an employee elects to have dependent coverage, the employee will pay the additional premium for the dependent(s). If an employee elects to have vision coverage or supplemental products, the employee will pay the full premium.

New employees will be eligible for insurance on the first of the month following 30 days of employment. New employees have 30 days from the date of hire to enroll in insurance coverage. Employees may add dependents to their coverage due to a qualifying event, such as; marriage/divorce, birth/death, if a spouse who has coverage outside of the district looses their coverage with their employer, or during open enrollment each spring. Open enrollment has a July 1st effective date. Employees may drop dependent coverage at any time, except vision, if the premiums are deducted on a post-tax basis. If the premiums are deducted on a pre-tax basis, changes in coverage may only occur during open enrollment or under certain IRS qualifying events. Vision coverage may only be added or dropped during open enrollment, which occurs each spring. Open enrollment has a July 1st effective date. The District also offers voluntary products through American Fidelity and Aflac. These products are optional and the premiums are the responsibility of the employee, paid with a payroll deduction. Some of the products include cancer, accident, disability, life insurance and Section 125 flexible spending plans. Open enrollment for American Fidelity and Aflac products occurs in January/February for the plan year March through February.
 
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